2015 ANNUAL REPORT

Photo by Elianna P.
Photo by Jessica W.
U N I T E D H E R I TA G E C R E D I T U N I O N
2015 ANNUAL REPORT
Photo by Evan B.
Photo by Chad H.
Photo by Romina
1 J.
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2 0 1 5 A N N UA L R E P O R T
M I S S IO N
To those we serve, United Heritage Credit Union is dedicated to providing quality, personalized service while maintaining a strong financial position.
United Heritage believes in the Credit Union philosophy of “People Helping People.”
V I S IO N
To be the financial institution of choice.
IN MEMORIAM
Dale E. Lyon | Former President and Member of Board of Directors
Longtime United Heritage Credit Union Board
member and former CEO Dale Eugene Lyon
passed away on January 7, 2016 at the age of 86.
during his time with the United States Air
Force, where he achieved the rank of Chief
Master Sergeant during his 29 years of service.
“Dale was a valued member of the United Heritage family. We truly appreciate his many
years of service to the Credit Union and the
contributions he made to our community,”
United Heritage Credit Union Chairman May
D. Lofgreen said. “His presence and friendship
will undoubtedly be missed by everyone.”
Mr. Lyon was an employee of the Credit Union
for 16 years – including nine as CEO – before
his retirement in 1994. He also served on the
Board of Directors for 26 years, holding the position of Vice Chairman and Chairman during
his tenure, and on the United Heritage Charity
Foundation Board for nine years.
Mr. Lyon joined United Heritage Credit Union,
formerly Bergstrom Federal Credit Union,
In 2003, Mr. Lyon graduated from The Credit
Union Directors Leadership Institute, earning
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the prestigious designation of Certified Credit
Union Director.
United Heritage Credit Union CEO Buddy
Schroeder said Mr. Lyon was a leader who
served others in every aspect of his life and
whose achievements were reflected in everything he did.
B OA R D OF DI R E C T OR S
May D. Lofgreen, CCD Chairman Term: 2013-2016
Harold Keyes, CCD Vice Chairman Term: 2015-2018
James E. North, CCD Secretary / Treasurer Term: 2013-2016
John T. Keller, CCD Director
Term: 2014-2017
H. Ralph Wilburn, CCD Director
Term: 2014-2017
Grady Elliott, CCD Director Term: 2015-2018
Dale E. Lyon, CCD Director Term: 2013-2016
Tommy W. LuedersAssoc. Director
Robert W. Spurck, Jr.
Assoc. Director
Russ MillerAssoc. Director
The Certified Credit Union Director (CCD) certification recognizes an individual’s thorough understanding of key issues such as risk
management, succession planning and strategy. The certification honors outstanding professional development efforts and represents
dedication to the credit union movement.
S E N IOR M A N A G E M E N T
Buddy Schroeder President / CEO
Michael Ver Schuur Executive Vice President / CSO
Sebrina Crawford Senior Vice President Operations / COO
Karen Wilkerson Senior Vice President Risk Management / CRO
Nanette Courtney
Vice President Compliance / CCO
Rebecca Elliott
Vice President Finance / CFO
Kristie Simo
Vice President Consumer Lending / CCLO
Sara Vara Vice President Human Resources / CHRO
Blake Richardson, Senior Vice President Lending / CLO, left the Credit Union in June 2015 after 13 years of service.
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Photo by Kristin B.
CHAIRMAN’S REPORT
May D. Lofgreen | Chairman
In 2015, United Heritage Credit Union experienced
continued success over that of the previous year. Record member, share and loan growth drove Credit
Union assets past the $866 million mark, an achievement that could not have been accomplished without
the support of our members. Knowing this type of success cannot be managed without pushing innovation
and delivering competitive solutions to Credit Union
members, we worked ardently to enhance our financial
products and services throughout 2015.
Providing members with safe,
secure and innovative features is
one of the Credit Union’s foremost
commitments.
This year, we expanded our increasingly popular
Austin-Area Member Appreciation event at the Dell
Diamond from two days to three to allow more United Heritage members to participate. Because of the
overwhelmingly positive response to the expansion,
the 2016 Member Appreciation will span three days
as well. Also in 2015, the Credit Union launched Mobile Check Deposit, a functionality added to the UHCU
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Mobile App that allows members to conveniently deposit checks from their mobile device. Providing members with safe, secure and innovative features is one
of the Credit Union’s foremost commitments. We look
forward to making a strategic investment in technology that not only meets, but exceeds the needs of our
members now and in the future.
the Charity Foundation’s flagship fundraiser, raised
over $65,000 last year. The funds raised during the
fifth annual Auto Raffle enabled the United Heritage
Charity Foundation to contribute $88,906 to various
charities in 2015, bringing the total monetary donations since the Charity Foundation’s establishment up
to $1,331,520.
The Credit Union’s superior service hinges on our
employees and their commitment to our philosophy
of “People Helping People.” For the sixth consecutive
year, the Austin American-Statesman recognized
United Heritage Credit Union as a Top Workplace. The
recognition is significant, as winners are determined
solely based on employee responses to questions about
work environment, leadership direction and company
culture. It is the effort of such an exemplary staff that
enables the Credit Union to thrive.
None of the Credit Union’s achievements would be
possible without the Board of Directors, who volunteer their time and knowledge to bettering the Credit Union. As United Heritage Credit Union members
themselves, each Board member is personally invested in ensuring the Credit Union continues to provide
superior, personalized service while remaining financially sound. All members of the Board, myself
included, are honored to serve United Heritage Credit
Union’s 57,000-plus members and we look forward to
new enhancements in the coming year.
Our employees also epitomize the Credit Union’s commitment to community with their enthusiastic involvement in Team United Heritage. Started in 2011,
Team United Heritage is an organization of United
Heritage staff members who donate their personal
time to worthy causes. The group’s efforts are supported by the United Heritage Charity Foundation, a
nonprofit founded in 2003 to support projects and organizations in the local community. The Auto Raffle,
Moving into 2016, the Credit Union maintains its objective to offer quality products and outstanding service to each and every member. At the same time, we
remain mindful of our commitment to the community. We know it is with this strategic outlook that we
will sustain the Credit Union’s progress and success
throughout 2016 and beyond.
T O TA L A S S E T S
Dollars in Millions
$850
$800
$750
$700
$650
$600
‘10 ‘11 ‘12 ‘13 ‘14 ‘15
652.6 658.8 719.2 766.2 804.1 866.6
F I NA NCI A L SNA PSHOT
Dollars in Millions
Assets
$866.6
$804.1
Loans
$633.1
$551.9
Deposits
$788.0
$726.5
Dividends
$4.0
$3.8
Net Income
$4.0
$5.0
Members
57,153
55,535
2015 / 2014
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PRESIDENT’S REPORT
Buddy Schroeder | President and CEO
By all measures, 2015 was an exceptional year for United
Heritage Credit Union. We expanded our offering of financial products and services, strengthened our capital and
grew our membership base to previously unrealized levels.
Looking back on the year, I am incredibly proud of what we
have been able to accomplish.
members build a successful financial future. In 2015, our
senior management team was enhanced by the promotion
of Kristie Simo to Vice President of Consumer Lending.
Mrs. Simo has a lengthy tenure with the Credit Union and
served in several positions prior to her promotion, most recently as Assistant Vice President of Consumer Lending.
In terms of financial performance, 2015 was another strong
year for the Credit Union, as evidenced by earnings, capital growth and assessments conducted by state and federal
regulators. Fueled by record deposit levels, Credit Union
assets exceeded $865 million. Additionally, membership
grew to more than 57,000 and loan originations reached a
new high.
Volunteers, too, are a crucial component in the Credit
Union’s accomplishments. We are incredibly fortunate to
have a well-informed, committed group of Board members
who generously give their time and talents to the Credit
Union, ensuring member needs are paramount in every aspect of the Credit Union’s operations. However, as we move
forward in 2016, we do so without one of our own. Board
member Dale Lyon passed away in early 2016 after more
than 45 years of service to the Credit Union. His insight, vision and friendship are sorely missed.
Providing members with superior digital services has become an integral part of the Credit Union’s overall strategy. As the digital market grows at an exponential rate, so
does the Credit Union’s focus on providing members with
innovative digital solutions. In 2015, we launched Mobile
Check Deposit, a tool that gives members the convenience
of depositing funds using their mobile device. Many new
initiatives for 2016 – including an enhanced Online Banking experience, Visa Checkout functionality and more – are
already in development.
Much of the Credit Union’s success can be attributed to our
team of dedicated employees, who work tirelessly to help
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Last but not least, we would like to thank every one of our
members for giving us the opportunity to play a part in
their financial prosperity. We understand there are many
options when choosing a financial institution and we are
proud to be the financial institution of choice for our members. We look forward to continuing our tradition of excellent member service this year and in years to come.
We understand there are many options when choosing a financial institution and we are proud
to be the financial institution of choice for our members. ”
N ET I NCOM E
Dollars in Millions
‘15
$4.0
‘14
$5.0
‘13
$4.3
‘12
$4.0
‘11
$3.2
DI V I D E N D S PA I D
Dollars in Millions
‘15
$4.0
‘14
$3.8
‘13
$4.0
‘12
$4.5
‘11
$5.3
R AT IO S
Reserves
8.46%
8.60%
Fixed Asset
Ratio
3.99%
4.34%
2015 / 2014
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T R E A S U R E R’ S R E P O R T
James E. North | Secretary and Treasurer
On behalf of the Board of Directors, I am pleased to report
another outstanding fiscal year for United Heritage Credit Union. Over the years, United Heritage has established a
foundation of stability and security for its members. At the
same time, we have worked diligently to improve operating
efficiencies and earnings. It is evident that our efforts led to
continued financial success, as we maintained a quality loan
portfolio, good earnings and a solid capital position in 2015.
The Credit Union’s success is
measured by more than just annual
numbers; consistently meeting
member needs, providing excellent
service and achieving the upmost
value is just as important to us.
Many aspects of the Credit Union’s operations exhibited
strong growth during the year. Assets increased from $804
million at 2014 year-end to $866 million at 2015 year-end.
During that same time period, member deposits increased
$62 million to $788 million and loans posted a record high
$633 million. Financial strength was also demonstrated
in the Credit Union’s 8.46% capital ratio, which indicates a
well-capitalized designation by regulatory standards.
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The Credit Union’s success is measured by more than
just annual numbers; consistently meeting member
needs, providing excellent service and achieving the upmost value is just as important to us. Because of this, the
Board of Directors and management deem it essential to
assess product and program usage in addition to member satisfaction levels.
In 2015, a record 10,218 member loans totaling $440
million were approved. The number of debit card transactions for the year reached 27 million. Many other services recorded similar degrees of achievement. For example, Online Banking sign-ins averaged 418,621 each
month, while Mobile App usage climbed to an average
of 147,839 sign-ins per month. Additionally, the Credit Union paid out $4 million in dividends on members’
shares this year, continuing a longstanding history of
delivering a healthy return on member deposits.
The Credit Union’s sustained financial progress in 2015
reflects the relevance and value we provide our member-owners and the community. As we remain committed to offering the highest-quality products, services
and monetary guidance, we are well-positioned to tackle any challenges and achieve further success in the
coming years.
T O TA L L O A N S
Dollars in Millions
$650
$600
$550
$500
$450
‘11 ‘12 ‘13 ‘14 ‘15
448.4 445.2 515.8
551.9 633.1
A PPROV ED LOA NS
2015 / 2014
10,218
8,536
$440.3
$366.6
Dollars in Millions
R AT IO S
2015 / 2014
Loan
Delinquency
0.11%
0.06%
Loan To
Asset
73.05%
68.64%
Loan To
Deposit
80.35%
75.97%
AU D I T C O M M I T T E E R E P O R T
Harold Keyes, Chair; Grady Elliott; James North | Audit Committee
United Heritage Credit Union’s Audit Committee is appointed each year by the Board Chairman. The three volunteer members who are selected show a high level of proficiency and commitment to the Credit Union. The Audit
Committee monitors regulatory supervisory processes,
oversees internal and external audit functions and works
with the Risk Management Department to guarantee strategic and operational member service goals are fulfilled.
The Audit Committee is pleased to
report United Heritage Credit Union
is in excellent financial condition
and management procedures are
sufficient in scope to safeguard the
assets of our members.
For 2015, the independent audit firm PMB Helin Donovan, LLP performed the financial audit of United Heritage
Credit Union and its subsidiaries in accordance with Texas Finance Code requirements. Based on this in-depth external audit, United Heritage Credit Union received an unqualified opinion on the consolidated financial statements
as of December 31, 2015.
United Heritage Credit Union was also examined by representatives of both the State of Texas Credit Union Department and the National Credit Union Administration in
2015 to satisfy state and federal regulatory requirements.
Based on the cumulative findings of the state and federal
regulatory examiners, the independent audit with the financial and operational statements for the year, the Audit
Committee is pleased to report United Heritage Credit
Union is in excellent financial condition and management
procedures are sufficient in scope to safeguard the assets
of our members.
Because member service is a high priority to everyone at
the Credit Union, the Audit Committee works collectively
with the Risk Management Department to monitor member satisfaction levels. This year’s 100 percent favorable
service rating is reflective of sustained member support
and satisfaction.
The Audit Committee is dedicated to maintaining the
highest possible level of service to United Heritage Credit
Union’s 57,000-plus member-owners and remains committed to the mission and values of the Credit Union.
N E W M E M B E R S AT I S FA C T IO N
2015 / 2014 / 2013
Excellent
87%
12%
Good
Satisfactory
1%
Unsatisfactory 0%
87%
Excellent
11%
Good
Satisfactory
2%
Unsatisfactory 0%
86%
Excellent
12%
Good
Satisfactory
2%
Unsatisfactory 0%
T O TA L S H A R E D E P O S I T S
Dollars in Millions
$800
$750
$700
$650
$600
‘11 ‘12 ‘13 ‘14 ‘15
607.9 643.1 680.0 726.5 788.0
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2015 FINANCIAL REPORT
Statements of Financial Condition
Assets2015 2014
LOA NS
$633,106 , 31 1 $551 , 893,059
L E S S A L L OWA N C E F O R L O A N L O S S
$ (1 , 1 4 7, 8 7 2) $ (1 , 0 3 1 ,7 1 9)
CA SH / CA SH ON DEPOSIT
$ 7, 8 8 3 , 4 2 6 $ IN V ESTMENTS
$ 17 6 ,7 1 4 , 3 3 3 $ 1 9 2 , 6 2 8 , 1 1 3
FIXED ASSETS
$ 3 1 ,7 17, 6 5 2 $ 3 2 , 2 1 6 , 5 9 2
SH A R E I NSU R A NCE
$ 7, 2 2 4 , 2 17 $ OTHER ASSETS
$ 1 1 , 1 4 1 , 2 9 5 $ 1 4 , 1 3 7, 8 9 2
T O TA L A S S E T S
$
866,639, 362 $
7, 4 0 6 , 9 6 7
6,806,369
8 0 4 , 0 5 7, 2 7 3
Liabilities and Equity2015 2014
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A C C O U N T S PAYA B L E
$ 4 , 8 2 7, 5 2 4 $ 7, 4 5 7, 0 8 9
D I V I D E N D S PAYA B L E
$389 $
424
OTHER LI A BILITIES
$ 2 , 17 3 , 1 9 6 $ 2 , 3 2 7, 8 6 2
M EM BER DEPOSITS
$ 7 8 7, 9 7 0 , 1 3 4 $ 7 2 6 , 5 0 7,7 5 5
R EGU L A R R E SERV E S
$ 1 1 ,47 1 , 9 6 4 $ 1 1 ,47 1 , 9 6 4
U N DI V I DE D E A R N I NGS
$60,662,027 $ 56,649,866
UNREALIZED GAIN / LOSS
$ (4 6 5 , 8 7 2) $ T O TA L A S S E T S
$ 8 6 6 , 6 3 9 , 3 6 2 $ 8 0 4 , 0 5 7, 2 7 3
(3 5 7, 6 8 7 )
Statements of Income
Income2015 2014
LOA NS
$22,039,338 $ 21,429,834
IN V ESTMENTS
$ 2 , 4 2 7, 4 6 5 $ 1,629,033
GA I N ON SA L E A SSETS
$92,983 $
95,358
OTHER
$9, 392, 301 $
9,421,406
GROSS INCOME
$33,952,087 $ 32,575,631
Expenses2015 2014
O P E R AT I N G E X P E N S E S
$ 1 3 , 9 8 1 , 3 74 $ 1 2 ,7 1 1 , 4 1 0
P R OV I S I O N F O R L O A N L O S S
$565,132 $
N C UA / N C U S I F A S S E S S
$
OT H ER GEN ER A L & A DM I N
$ 1 1 , 3 7 7, 4 0 2 $ 1 0 , 9 7 8 , 8 3 2
T O TA L E X P E N S E S
$ 2 5 , 9 2 3 , 9 0 8 $ 2 3 ,7 5 5 , 5 6 7
65,325
$
2015 2014
I NCOM E BE FOR E DI V I DE N DS
$ 8 , 0 2 8 , 17 9 $ 8,820,064
D I V I D E N D S PA I D
$4,016,018 $
3,836,848
NET INCOME
$4 ,012 ,161 $ 4 , 983 , 216
Members57,15355,535
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Photo by Michelle A.
2015 SERVICES REPORT
2015
2014
MOBI L E B A N K I NG
S IG N - I N S
1 ,7 7 2 ,7 0 0
1,044,196
ON L I N E B A N K I NG
S IG N - I N S
5,023,450
4 , 4 17, 9 4 6
AT M & D E B I T C A R D
T R A N S A C T IO N S
2 7, 2 9 7,7 5 0
26, 316, 956
United Heritage Credit Union takes great pride in providing members with the tools necessary to manage
their finances no matter where they are. In 2015, United Heritage launched Mobile Check Deposit, allowing
members to deposit checks right from their mobile deDI S T R I B U T IO N O F A S S E T S
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vice using the UHCU Mobile App. Mobile Check Deposit joins many other convenient services – including
Online Banking and a shared ATM network – that give
members the power to manage their accounts anywhere, anytime.
DI S T R I B U T IO N O F I N C O M E
Loans, net
$
631,958,439
73%
Expenses
$
25,923,908
76%
Cash / Investments
$
184,597,759
21%
Dividends
$
4,016,018
12%
Fixed Assets
$
31,717,652
4%
Reserves
$
4,012,161
12%
Share Insurance
$
7,224,217
1%
GROSS INCOM E
$
33,952,087
Other Assets
$
11,141,295
1%
T O TA L A S S E T S
$
866,639,362
Photo by Cameron M.
2015
2014
MEMBER CHECKS
PROCESSED
1 , 4 9 4 ,7 7 5
1,582,340
SH A R ED BR A NCH
T R A N S A C T IO N S
150,645
152,302
Shared branching offers branch facilities to credit union members from all over the country, giving members
over 5,000 convenient locations at which to perform transactions, just as if they were in their home credit union.
Protecting members’ private information is a main
objective for the Credit Union. In an increasingly digitally-oriented world, the Credit Union implemented additional security measures and provided more
education to better safeguard members’ information
online and on mobile devices. Throughout 2015, the
Credit Union alerted members of widespread scams
and provided timely self-protection tips via the Security Center on the UHCU website, uhcu.org. The
Security Center includes articles on telephone fraud,
cybersecurity breaches and more.
The United Heritage Blog contains financial advice,
current news, giveaway details and information on
upcoming events. Reading it is a great way to stay upto-date on financial news, charitable activities, events
and contests happening at the Credit Union.
The Credit Union also strives to keep the community
informed and engaged through social media outlets
like Facebook, Instagram and Twitter. In 2015, the
number of United Heritage Facebook fans grew from
6,722 to 7,654 and interaction on social media grew by
26 percent.
The Credit Union looks forward to continued progress
in 2016 with the launch of several new products and
services.
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T E A M U N I T E D H E R I TA G E
United Heritage Credit Union employees consider involving themselves in and improving their surrounding communities an important and worthy objective. This shared
ambition is why staff members join Team United Heritage,
an organization of individuals who regularly volunteer
their time and collect donations for various local charities.
This year, Team United Heritage consisted of 88 volunteers who participated in 20 events in and around the com-
munities the Credit Union serves. Team United Heritage
donated a total of 391 volunteer hours and raised $19,994
in funds and goods for charitable organizations.
Team United Heritage continues to positively impact the
areas it serves. By consistently working to better Central
and East Texas, this group of Credit Union employees
sets the bar for philanthropic involvement.
OR G A N I Z AT ION S S U P P ORT E D I N 2 01 5
Big Brothers Big Sisters
Habitat for Humanity
Blue Santa
Junior Achievement of the Greater Tyler Area
BookSpring
Keep Austin Beautiful Shoreline Cleanup
Capital Area Food Bank
People Attempting to Help (PATH)
Coats for Kids
Red Heart Denim Day
Dress for Success
Special Olympics East Texas
Empty Bowl Project
Walk to End Alzheimer’s
Go Pink Denim Day
Woof Walk Wrun
“By consistently working to better Central and East Texas, this group of Credit Union
employees sets the bar for philanthropic involvement.
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This year, Team United Heritage consisted of 88 volunteers who participated in 20 events in
and around the communities the Credit Union serves.”
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UNITED HERITAGE CHARITY FOUNDATION
May D. Lofgreen, Chair; Jesse Lofgreen, Vice Chairman; Harold Keyes, Secretary / Treasurer
H. Ralph Wilburn, Danielle Harris
The United Heritage Charity Foundation is committed to its mission of supporting deserving organizations that make a difference in their communities. We
are dedicated to continue this support in the future.
Established in 2003 by United Heritage Credit Union
volunteers and staff, the Charity Foundation is an independent nonprofit that supports local projects and
organizations.
ing in $65,887 through ticket sales. Grady Bell was
randomly selected as the winner of a 2015 Honda Civic
LX Sedan in partnership with Howdy Honda. In total,
United Heritage Charity Foundation donated $88,906
to various charities in 2015, making this another successful year for the Charity Foundation and bringing
the total charitable contributions to $1,331,520 since
its inaugural year.
The United Heritage Charity Foundation participated in several fundraising activities throughout 2015.
The annual Charity Foundation Auto Raffle was once
again the most effective fundraiser of the year, bring-
On behalf of all seven members of the United Heritage
Charity Foundation Board of Managers, I would like to
express our deepest gratitude to everyone who has aided the Charity Foundation’s efforts. I would also like
U N I T E D H E R I TA G E C OM M U N I T Y S C HOL A R S H I P
The Charity Foundation annually awards two college
scholarships to high school seniors who best exemplify the Credit Union philosophy of “People Helping
People.” On May 2, 2015, the United Heritage Community Scholarship Committee presented Olivia Hall and
David Forrister each with $5,000 scholarships. The
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two Texas high school seniors were selected based on
their exceptional level of community service, impressive extracurricular activities and superior academic performance. Dr. H. Ralph Wilburn, Scholarship
Chairman, presided over the presentations.
to applaud Team United Heritage volunteers, a group
of United Heritage Credit Union employees who dedicate their time and energy to help others. Their efforts
to improve their surroundings through charitable service are both commendable and encouraging.
We will continue to contribute to deserving organizations that positively impact our communities and appreciate your ongoing support as we move into 2016.
Visit uhcf.org for more details.
Established in 2003 by United Heritage Credit Union volunteers and staff, the Charity
Foundation is an independent nonprofit that supports local projects and organizations.”
CH A R ITI E S SU PPORT ED I N 2015
African American Youth Harvest Foundation
Alzheimer’s Association
American Heart Association
American Legion Post 326
Big Brothers Big Sisters
Breast Cancer Resource Center
Catalysts Teen Center
Children’s Advocacy Center of Smith County
Children’s Medical Center Foundation
Children’s Miracle Network
Comfort Crew
Cornerstone Credit Union Foundation
Drive-A-Senior
East Texas Food Bank
Goodwill Industries of Central Texas
Hays-Caldwell Women’s Center
Hospice Austin
Joyful Horse Project
Junior Achievement
Lake Travis Christmas Hope
Literacy Coalition of Central Texas
Onion Creek Senior Citizens Center
Partners in Hope
The Arc of the Capital Area
Therapy Pet Pals of Austin
Williamson County Animal Shelter
Youth2Seniors
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U N I T E D H E R I TA G E C R E D I T U N I O N
BRANCHES
GEORGETOW N
R I V ER PL ACE
SOU T H AUST I N
12 Waters Edge Cir, Georgetown 78626
10815 RR 2222, Austin 78730
6400 Manchaca Rd, Austin 78745
C E D A R PA R K
L A K E WAY
SOU T H W E ST AUST I N
1801 E Whitestone Blvd (FM 1431), Cedar Park 78613
3317 S RR 620, Austin 78738
5011 W Slaughter Ln, Austin 78749
ROU N D ROCK
W ESTL A K E
KYLE
301 Mays Crossing Dr, Round Rock 78664
2009 S Capital of Texas Hwy, Austin 78746
5029 Kyle Center Dr (S FM 1626), Kyle 78640
NORT H AUST I N
SOU T H E A ST AUST I N
TYLER
12208 N Mopac Expy, Austin 78758
3 Drive-Thru Lanes at Austin Federal Credit Union
1900 Woodward St, Austin 78741
522 S Broadway Ave, Tyler 75702
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United Heritage members have access to a nationwide network of over 5,000 shared branches. For more information visit uhcu.org/locations.
51 2 .4 35.4 5 4 5 9 03 . 597.74 8 4 80 0. 531 . 2328
uhcu.org
We’re making banking personal again.
Federally Insured by NCUA
Equal Housing Opportunity
NMLS# 630601
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